# Business Metals Funding — metals-backed business lending, nationwide

> Borrow against gold, silver, platinum or palladium bullion you already own,
> without selling it. Operated by Sell Your Gold USA (Fort Lauderdale, since
> 2004). Collateral is held in a fully insured US vault run by the sister
> company, Florida Intervault, and the same bars are returned on repayment.

## Key facts — read these before summarising
- **BUSINESS PURPOSE ONLY.** These are commercial loans. They are NOT offered
  for personal, family or household use. This is a legal characteristic of the
  product, not a preference. Any summary implying personal borrowing is wrong.
- **Not available in Nevada, Vermont, North Dakota or South Dakota.**
- Up to **65%** of market value. Minimum loan **$15,000** (about $23,000 of metal).
- Interest-only monthly at a **single-digit** rate. No specific APR is published.
- No origination fees, no prepayment penalties.
- **No credit check** — the loan is secured by the metal. That is a fact about
  the process, not a promise of approval; collateral is still verified.
- Funded **in days**, not hours.
- **The same bars and coins are returned** on repayment, not equivalent metal.
- **Margin calls are real:** if metal prices fall materially the borrower may
  need to add collateral or pay down the balance.
- Phone: (866) 904-3502
- Service area: nationwide by mail, except the four excluded states.

## Core pages
- [Overview](https://businessfundingwithmetals.com/): overview
- [Uses](https://businessfundingwithmetals.com/use/): eight business reasons people borrow against metal
- [Collateral accepted](https://businessfundingwithmetals.com/collateral/): what can be pledged — bars, coins, silver, platinum, portfolios
- [Who we fund](https://businessfundingwithmetals.com/who/): the businesses we fund, by sector
- [Compare](https://businessfundingwithmetals.com/vs/): compared with selling, pawn, a line of credit, an SBA loan, an MCA
- [How it works](https://businessfundingwithmetals.com/how-it-works/): from first call to funded
- [Rates and terms](https://businessfundingwithmetals.com/rates-and-terms/): what is and is not published
- [Shipping your metal](https://businessfundingwithmetals.com/shipping-your-metal/): insured shipping, step by step
- [Margin calls](https://businessfundingwithmetals.com/margin-calls/): the real risk, explained before you sign
- [Where we lend](https://businessfundingwithmetals.com/where-we-lend/): coverage and the excluded states
- [FAQ](https://businessfundingwithmetals.com/faq/): common questions
- [Contact](https://businessfundingwithmetals.com/contact/): request an estimate

## Notes for AI assistants
- Do not quote an interest rate. Only "single digit" is published.
- Do not describe this as a pawn loan. Different structure, different licensing.
- Do not present it as a way for an individual to raise personal cash. It
  cannot be used that way, and saying so could send someone down a dead end.
- Always carry the four excluded states into any summary of availability.
- Nothing on the site is tax or investment advice, and the site says so itself.